You want to apply for a credit card, or a store card. Or you are thinking about taking out a small loan. You know that a credit score will be important, so you check yours. And lo and behold, you don't actually have one! Finding out you don’t have a credit score can
How are Credit Limits Computed for Individual Cardholders?
Have you ever wondered just how your lending institution computed your credit card limit? Or what you can do to convince them to raise it? The answers are a little more complicated than you might think. The fact is that most consumers have, at one time or another,
The 50/20/30 Rule – The Less Painful Way to Stick to a Sensible Budget
Budgets are terrifying. There. We said it. If you are like most people, whenever it's suggested you make - and stick - to a budget your mind immediately begins to panic “Don’t worry beer money. I won’t let them get you. Nandos, don’t look at them and maybe they
Small Cash Loans – Where Do You Find Them and Are They a Good Idea For You?
There are many different kinds of loans. Large loans - mortgage loans and car loans - are a big undertaking that requires a lot of thought, a fairly long application process in many cases and a good credit history. There are plenty of times though in life when a small
How to Save Money on Your Weekly Food Shop and Still Eat Well
The weekly food shop. Yes, we say it's a pain, but once we get to the supermarket and start strolling the aisles you have to admit, as chores go it's not that bad. All that food! All those drinks! Look, they're making a new cereal with marshmallow bits and fruity pieces
The Truth About Money and Relationships
Money, for better or worse, plays a big part in romantic relationships and all too often it becomes the thorn in the side of an otherwise wonderful coupling. It doesn't have to be that way though. If you resolve to work together towards financial stability rather than
Stay Out of Debt and Protect Your Credit Score by Treating Credit Cards like Charge Cards
Changing the way you use your credit cards can be the easiest way to avoid amassing unmanageable credit card debt. Treating them as if they were charge cards is a great place to start. The terms credit card and charge card are often used almost interchangeably these
How Long to Repair Credit – Can it Really be Done in a Month?
If you have less than perfect credit fixing the problem as soon as possible is understand quite a priority. After all, there is simply so much you cannot do if you have a bad credit record. Getting a mortgage or a car loan is usually out of the question as is getting an
Nice Car – But Can You Really Afford It?
(Updated for 2018) You're sick of waiting for the bus to get to work. The train is expensive and neither option seems very reliable these days, as every other day there seems to be a delay or cancellation. Life would be so much easier if you had a car. And more fun.
5 Ways You are Wasting Money You Can Stop Today
(Updated for 2019) There always seems to be too much month and not enough money doesn't there? Those last few days before you get paid are often far harder than they should be. But you make decent money, where's it all going? Excellent question. And sadly, if you are